5 Steps To Profiting From News Feeds
Looking at News Feeds, you might think they're some of the most complex things to set up. Nothing could be further from the truth. They're actually super-easy to create once you have the system set up properly.
You can break down the news feed system into a fast, low-cost system that you can do once, or several times over.
First I'll answer a few of your questions about news feeds. Then I'll reveal the "secret" steps to setting up and profiting from a news feed.
Common Question #1: What is a news feed?
A news feed is an automatically updating list of the latest news on a particular subject. For instance, the news feed on my Web site is on the subject of small business marketing.
Common Question #2: Why do I need one?
Other than being a really cool thing to have on your Web site, News feeds are also really great traffic boosters. Not only do they make your Web site more attractive to the all-important Web crawlers that view what's on your site, but News feeds also inspire visitors to come back to your site for fresh news.
So the benefits are two-fold:
• new visitors, and
• return visitors.
Please keep in mind there are a few things you need to do to see benefits from news feeds.
1. Choose a subject of interest to your audience. I chose small business marketing news. For you, it could be the latest news on a tough problem gripping your industry. The great part about it is that you don't have to provide answers, just create a forum where your target market can access information about an issue.
2. Find your news feed. There are several services providing news feeds of various pieces of information. In my experience it's best to locate news aggregators based only on your industry.
3. Place the feed on your Web site. This is where I initially ran into problems, but a programmer friend passed on a rather affordable solution that I was able to easily place the news feed on your Web site. The great thing about it is, once you set up the feed, you never really have to touch it again.
4. Make your site profitable. Consider placing advertisements on the same page as your news feed. No doubt the regularly updating news will be a hit with your audience and as more people come to the site you'll be producing passive profits. (Say that five times fast!)
5. Drive traffic to your site. Over the years I've found the best way to drive traffic to a site is through article writing and distribution. It's like an instant shot in the arm for quality traffic.
And that's the "secret" formula to profiting from news feeds. Really, it's no secret. It's all about know which resources to use to make the news feed work for both you and your target audience.
Making sure carpets are clean is crucial to many. In order to choose the right professional cleaning service, you need to be sure you learn what they actually do. Read on to familiarize yourself with all the particulars.
Learn about the reputation of any carpet cleaning company you are considering hiring. There are many choices for carpet cleaning companies, so choose a dependable one. Ask for references from trusted individuals and check online as well. These things can significantly help you in locating the best company for cleaning your carpets.
Talk to them about what solutions will work for your carpet in between professional cleanings. It’s vital that this is done because certain acid solutions can permanently stain or damage your carpet. Performing this test will save you a lot of time and money and takes only a few minutes.
You need to look at reviews concerning carpet cleaning companies. Even some well-established companies may not live up to expectations. In order to find out if they provide quality work, you will have to check out online and talk to past customers.
Move all of your fragile items and valuables out of the rooms you are getting cleaned. They may promise to be careful, but you don’t want to risk your precious valuables to someone else.
Wash new carpet you buy the moment it’s in your home. Some carpets possess chemicals to help preserve their quality. These chemicals may be harmful, so wash the carpet as soon as you get it home.
Many people are worried about their carpets. If you wish to get someone that’s great at cleaning carpets, you have to figure out what they are able to do to help you and how to get a fair price for the work. Hopefully, you can be more confident by using the above tips.
Get On The Road To Repairing Your Credit
As many people ultimately find out, it’s incredibly easy to fall into the grasp of a bad credit score. Even missing a few of your monthly payments can turn your name to mud in the eyes of a creditor. But having bad credit doesn’t have to be the end of the world. Luckily for you, there are many steps you can take to fix this. Take some time and consider the information here.
When repairing your credit, the first step is to find out what the top three credit bureaus are saying about you. These companies are Equifax, TransUnion and Experian. Finding your own credit report is free, so do not fall for a company looking to charge you to find out what they are saying, research it yourself!
When trying to repair your credit, you should avoid using store credit cards. These cards do not improve your credit score, even if you pay them off on time. But you are taking the risk of ruining your credit further, if you cannot afford to pay the bills you accumulate. Besides, most store cards do not offer good interest rates. Pay off your store cards and cancel them.
Paying your monthly bills in a timely fashion is a basic step towards fixing your credit problems. Letting bills go unpaid exposes you to late fees, penalties and can hurt your credit. If you lack the funds to pay all your monthly bills, contact the companies you owe and explain the situation. Offer to pay what you can. Paying some is much better than not paying at all.
If you can afford to pay your credit card balance in full every month, you should. It shows the credit card company you are responsible, and could lead to credit limit increases later on. Even if you can’t pay off the full balance, try to pay as much as you can.
If you are trying to raise your FICO credit score, there are many factors that help to determine your score. The factors include payment history, amount of debt, length of credit history, the type of credit used, and the number of recent credit applications or credit report pulls.
Set up a plan to eliminate your debt. You should look at how you can budget around your income to make this happen. You should be realistic and not try to solve your debt problems in a hurry. Try to focus on one thing at a time to eliminate your debts.
An important tip to consider when working to repair your credit is the benefit it will have with your insurance. This is important because you could potentially save a lot more money on your auto, life, and home insurance. Normally, your insurance rates are based at least partially off of your credit score.
Nobody ever said it was going to be an easy thing for you to do, pulling yourself out of debt. It’s going to be quite a journey depending on how much debt you have. What’s of significance here is that you actually start to repair your credit. Follow the advice here and your credit will start to improve over time.
Dirty carpeting not only make your home unsightly, but can affect both the smell in the air and the property value. Regardless of whether you are interested in putting your home on the market or not, getting a professional carpet cleaner to your residence is important. Use the tips below to help you with this process.
When you have new carpet laid in your home, have them cleaned. When carpets are displayed, they have chemicals that make them look appealing in the store. You can minimize exposure to these chemicals by your pets and family if you clean the carpets as soon as they arrive.
If you’re inviting someone into your home to do your carpet cleaning, it’s important that you feel comfortable around them. You should be comfortable with all the steps of the process, from the beginning to the end. A good company makes sure that you are happy the whole process through.
Ensure the carpet-cleaning company you hire has an actual, physical address. You’re going to need a real address where any issues can be resolved, if you should have a problem with the work the cleaner does. If the only address you can find is a Post Office box, start looking for a different company.
Warn the carpet cleaner if the office or home has floor electrical sockets. These sockets can cause injury if they are cleaned. This can be damaging to the cleaner, as well as your property.
Use a few different cleaning products before you choose the best one for you. Tons of choices exist, but certain products are meant for certain kinds of carpets. Having the company test a small spot first will ensure that they do not damage your carpets.
You should have all the information you need to choose the best carpet cleaning company. Your carpets will look as good as new if you implement the tips you’ve just read. You’ll enjoy the improved look of your home once you’ve had your carpets cleaned.
Cars And Air Conditioners
We are so used to the concept of an air conditioner that we hardly take notice of it. That is only until it stops working. And then we have a serious issue at hand and at times we are clueless as to what exactly the problem is and how to tackle it.
The air conditioners have become so integral to our lives that we cannot think of living without it. First it came to our offices and factories. Then we brought them to our homes. And now we have them even in our cars. Come to think of it, it is actually essential to have an air conditioner in your car. Of course the interiors of a car is more affected by the heat of the sun than the interiors of your house or office are. And there would be additional heat from the engine to deal with. So it is quite necessary to have a car air conditioned. And it is equally important to see to it that you take proper care of the unit so that it delivers when you need it to and doesn’t break down.
It has been seen these days that to repair older air conditioners it is costing one a few hundred bucks more than it used to. This is primarily because of the regulations that have brought about a change in the refrigerants being used. The previously used R-12 refrigerant, popularly known as Freon has been replaced by R-134a. This is considered to be environmentally safer.
Since you cannot mix the two kinds of refrigerants, so any repair now would mean that you have to flush out the existing refrigerant and fill it up with the newer approved refrigerant. This will obviously increase the costs of fixing your car air conditioner.
The best way to avoid costly repairs would be to check the auto air conditioning system once every year. There are many automotive service station which would provide special check-ups before the summer seasons. You can also go for a bundle check-up where your entire car, including the air conditioner is fine tuned. This would also cut down your maintenance costs.
Since having an air conditioner in your car is a sizeable investment it would be prudent to have it functioning properly. If that would mean regular check-ups then so be it. And it is only once a year. So it shouldn’t be too much of a problem.
It is not easy to clean carpets, so it is important that you find the right company. There are many articles about carpet cleaning in general. In this article, we plan an in-depth examination of the topic. Read on to become an expert on this subject!
Learn about the reputation of any carpet cleaning company you are considering hiring. There are quite a few companies to choose from, and there are those that you can depend on more than others. Talk to your friends and family to get some references and also look for reviews online. This may help you find a great carpet cleaner for your needs.
Do not use a lot of heat for carpet cleaning. This can ruin carpet quality, especially with delicate or colorful materials. This is vital when you’re attempting to remove any stains from the floor.
Harsh chemicals and big machines are not needed to clean every type of carpet. Your carpet cleaning professional will be able to test your carpet in an inconspicuous area before beginning the cleaning. It’s especially important to make sure they are aware of the materials of the carpet if they are wool or silk. If you are unsure of how to clean your carpet, contact a professional.
Make sure you know what your warranty is on your carpets before services begin. If your carpet was pre-treated by the company that made the carpet and you place another treatment over it, it could make your warranty null and void. This can cost you more money later on.
Remember that certain chemicals can be harmful, so ask about these. Make sure to carefully read cleaning product labels, and you might even want to try using greener solutions such as salt, baking soda and/or vinegar to help rid your carpet of any chemicals.
There are many aspects to consider when looking for a professional carpet cleaner. The advice above can help you learn how the service works. Implement all this information to make sure you get the right carpet cleaning company!
You Can Examine Your Brakes
Regular brake inspections are an essential part of good automotive maintenance that can save you money and keep your car from wrapping itself around the first tree out of your driveway. Make sure that your brakes and rotors are receiving the proper maintenance by following the steps outlined. Your safety as well as that of your passengers, pedestrians, and other drivers is at stake.
1. Time for a free inspection. Many local brake shops as well as national brake repair chains offer customers free brake inspections at no obligation to you. The inspection typically includes the following steps:
An annual check up of your brakes is wise, but do it more often if you drive well above the national average [about 15,000 miles per year] or if you do heavy stop and go driving.
2. Awareness is the key. Most brake system problems can be avoided if motorists would pay attention to certain signs of pending problems including:
If you are an at home mechanic, you can complete your own inspections and fit your vehicle with top notch replacement parts including brake pads and calipers. You can save on parts by purchasing them from a reputable online wholesaler such as Pit Stop Auto Parts who can offer to you top quality parts at sensible prices, typically much lower than what your dealer or an auto parts store would charge you.
Take care of your vehicle and it will take car of you especially in an emergency situation where a properly working brake system is an absolute must.
Dirty carpets are a terrible thing to have. Your rooms won’t look as great with stained and worn carpets. This is the reason why you should hire a professionally run carpet cleaning business. How can you choose a good professional to clean the carpets in your home? Keep reading to find out.
When vacuuming, divide the room into smaller sections to make your job easier. This will make it simpler for you to remember the areas you have already done, so you don’t waste any time doing them over. If the room you are cleaning is square, you can break it up into four parts.
Always compare several carpet cleaning companies prior to picking one. Research the company thoroughly and check their customer reviews. The BBB or Chamber of Commerce can also help you find out more information.
Even if a cleaning company offers to move your furniture for you at no additional charge, make sure that anything that is fragile gets moved before they arrive. You want to be careful about trusting another in your home regardless of how many assurances this person offers.
Know that when chemicals are used to clean your carpet, you may be exposing your loved ones to substances that are harmful. Always read any labels on a cleaning product before using it, or even consider using more environmentally conscious products such as baking soda or vinegar.
You should let the carpet cleaner you hire know where electrical sockets are. If they aren’t aware of electrical sockets, this can be a huge danger. And while there is risk to their equipment and them, there is also a risk that your home will be damaged.
Now that you have the proper information, finding and working with a good carpet cleaning company should be a breeze. Use the information from this article to help find a reputable service provider. An excellent carpet-cleaning business will significantly improve the quality of your carpets. That makes your home look wonderful as well!
Use This Advice If You Want To Fix Your Credit.
In today’s day and age, it is not uncommon to hit “rock bottom” and be in need of credit repair advice. Reaching this point can make you feel like there is no where to turn, and no way to get back on track again. That’s really not the case, and following a few simple steps can help you along the way.
Pull your credit report at least twice a year. It is important to monitor what is going on with your credit. You may find information that is not yours that could potentially be hurting your credit. It may also help you to see what you are doing that is affecting your credit.
If you’re creditors call answer the phone and communicate with them. Most companies are willing to work with you on your financial issues. They offer repayment plans to help you catch up on past due payments. Don’t ignore your creditors calls or you won’t know what they have to offer.
Anyone who is looking for professional help to deal with the repairing of their credit should understand that it is much easier for a professional company to help you if you seek their advice sooner rather than later. The longer you wait, the less options you are going to have.
An important tip to consider when working to repair your credit is to ideally keep your credit card utilization no more than 25 percent of the total credit limit. This is important because your credit card utilization is directly responsible for your credit rating. If your balance is high, aim to bring it down to no more than 70 percent.
If you are in the midst of repairing your credit and find that you are having difficulty paying bills on time due to financial stress, call the financial institution and see what options there may be for you. You may qualify for an economic hardship deferment of a loan or for reduced payments. You never know unless you ask!
An important tip to consider when working to repair your credit is the benefit it will have with your insurance. This is important because you could potentially save a lot more money on your auto, life, and home insurance. Normally, your insurance rates are based at least partially off of your credit score.
Life happens, but once you are in trouble with your credit it’s important to maintain good financial habits. Late payments not only ruin your credit score, but also cost you money that you probably can’t afford to spend. Sticking to a budget will also help you to get all your payments in on time. If you’re spending more than you’re earning you’ll always be getting poorer instead of richer.
Hitting “rock bottom” does not have to mean the end of your financial future. By using some common sense, and following the simple steps outlined in this article, you can greatly improve your financial forecast. The road might not be a short one, but the end result will most certainly be worth the effort.
Are your carpets stained or are you having a hard time getting rid of bad odors? Whatever you have tried, you may not be able to get the stains to go away. If so, you may need professional help. Read on to learn how they can get rid of those difficult stains and how to find a great one in your area.
It is best to vacuum your carpet in sections. This way, your cleaner cannot say they had to do any serious vacuuming. If your room is square, make the room into four quadrants for more efficient cleaning.
Before you have your carpet cleaned, make sure you vacuum it thoroughly. Use a quality vacuum cleaner to get rid of any lose dirt before using water or cleaning products. Applying the cleanser on rugs that are full of dirt will only exacerbate the problem. After treating a stain, do not vacuum the area until it is fully dry.
If you are using a new chemical on your carpet, or if your cleaner is, make sure it is tested on a small area first. Some acid products can damage carpets or cause discoloration. Doing this sort of test is quick, and can save lots of hassle and expense.
Know that when chemicals are used to clean your carpet, you may be exposing your loved ones to substances that are harmful. Wear a face mask and gloves and open your windows if you must use carpet cleaning chemicals for stains that cannot be treated with environmentally friendly methods.
If you’re inviting someone into your home to do your carpet cleaning, it’s important that you feel comfortable around them. You should be comfortable with all the steps of the process, from the beginning to the end. Reputable companies will make sure you’re satisfied for each step.
Now you can stop looking at the ugly stains on your carpet. By simply hiring a carpet cleaner, you can have incredible looking carpets in no time flat. After reading this article, you can find the best service for you.
You want your carpets to get a good deep cleaning. But, you believe that professionals are better suited than you are to do the job. You must know more regarding the process, as well as how to hire the proper company. Use the advice that follows as a start.
Do not use a lot of heat while cleaning your carpets. Your carpet can suffer from severe damage, even more so if it is colorful or fragile. This is even more crucial if you are attempting to get rid of stains that could cause permanent damage.
You can always ask a carpet cleaning company to test a small area of your carpet before they clean the whole thing. This will prevent you from damaging your carpet if the solution contains an acid that reacts badly. This small investment of time can save you lots of time and lots of money in the long run.
Using a popular product does not make a company any better than anyone else. Always look into the company that you’re thinking of hiring to see if they’re properly certified. Just ask the company, then verify that on your own.
Use white vinegar on a carpet stain for a quick cleaning solution. But, it is often the smart choice to hire a profession carpet cleaner to do the best job. Try a small test patch before going all out, as this solution may not be suitable for some rugs.
If you can’t get a stain out of your carpet, you may want to get a professional. Professionals use cleaning products and methods to remove difficult stains, such as blood and red wine. They can often do this without damaging your carpets, and that saves you time and money in the long run.
Now you can contract a reputable carpet cleaning company to handle your cleaning needs. You want to hire a company that you can be happy with. Take this advice so you are happy with your carpet cleaning.
Tips to Save on Car Insurance
We all wish to make savings in our life. Cars included. Myriad insurance companies offer varying premium rates depending on their policy coverage. So it is important that you get the best Insurance package for your car.
These tips will help you how to manage your Car Insurance budget within limits.
Making Comparisons: The costs of at least three to six insurance companies will give you a fair idea of the costs involved with different policies. Seek the advise of colleagues, friends, relatives. Besides from costs involved, the track record of the companies matter a lot.
The standing, strength and financial position of the company need to be looked into. Request for higher deductibles – It’s the amount one pays prior to making any claim for the accident. The complete coverage and collision is sold along with the deductibles. The more the deductibles the less the premium rate. By increasing the deductible say from $300 to $600 will invariable reduce the cost to 20 to 35 percent.
Old Cars – Drop Collision and Comprehensive Coverage – It is better to drop the collision and comprehensive coverage if the car is worth less than 10 times your premium in the current market. One way to reduce the cost is buying the auto coverage from the existing insurance and insurance coverage from existing carrier.
No to Double Health Coverage – Avoid health coverage with auto policy provided you have enough health insurance. This is one way of reducing costs.
A Good Credit Card Record – This has multiple benefits – helps to file claims if the credit score is less. A good credit score will also help in settling the accident with the help of the company.
Low Profile Car Discount – Fancy and trendy cars with high maintenance costs higher rate and attract thieves as well. A low budget, low profile car will help a lot with insurer discounts to boost.
Mileage Counts – More discounts can be obtained by driving less than the national average mileage recorded per year.
Avoid double health coverage- If you think that you have enough health insurance, and then avoid health coverage with your auto policy. This will help you to reduce the cost.
Maintain a good credit record- Insurers are using the credit history while determining the price of insurance. Statistically, the lower your credit score, the more you are likely to file claims. A person with a good credit score is more likely to settle the accident without the support of the company. Try to maintain a good credit record.
Discounts with low profile car- Cars that are expensive to repair or attractive to thieves will have a higher rate. Consider buying a low profile or average car as it your insurer might come up with discounts for such a car.
Low Mileage Pays – Obtain some discount on premiums by driving less than the national average mileage recorded per year.
All about Group Discount – It’s all about a group taking insurance plan collectively. Be it an employer, business group or associations. Check for such plans.
Safety Discount – Discounts are also offered if the car is fitted with safety items like air bag, automatic seat belts, anti lock brakes. So make safety pay for you.
Dirty carpets can make homes look unclean and dreary. This situation is easily corrected with a good cleaning. You can get help when you know more about the carpet cleaning process and how to properly find a reliable company. The end results are likely to improve significantly.
Before hiring a potential company to clean your carpets, it’s wise to research the reputation of this business. There are plenty of companies, and there are some more reputable and knowledgeable than others. Get personal references from family members, friends and acquaintances. Check for online reviews to get more information. Doing this can help you to find the best carpet cleaning company for your personal needs.
Vacuum the floor in sections. Breaking down the job makes it easier. This will let you see where you have vacuumed so you don’t waste time. If your room is square, make the room into four quadrants for more efficient cleaning.
Carpet cleaning companies typically offer a number of services in addition to working on floors. They may also clean upholstery, so ask if need be. Perhaps you can even locate a good deal for carpet cleaning services.
Check for customer reviews for any carpet cleaning company you consider hiring. Several companies that have existed a long time don’t offer the service you think they would. You want to find out for yourself how good they are.
Remove anything breakable off of furniture that is going to be moved. You don’t want to put your valuables in the hands of another person you don’t know, no matter what they say.
Now you probably feel more confident about what goes into getting a great carpet cleaning company to help you. There are probably several to choose from nearby, so research them! Use these tips to find the best company possible.
Tire Insurance: Myths And Facts About Road Hazard Policies
Insurance—it’s everywhere. One can insure just about anything. Are tires an investment one needs to insure? Tire insurance, also called a road hazard policy, road hazard warranty, or tire reimbursement plan, is a rapidly growing industry in the automotive world.
Tire warranty plans pay in full or in part for the replacement or repair of damaged tires and/or rims from “road hazards.” Road hazards are defined as pot holes, debris, nails, wood, and other hazards found in the road. Curbs, sidewalks, and stone walls are not road hazards. This is an important distinction to consider when deciding if tire insurance is right for you (discussed further ahead).
Tire plans last for a specific period of time and tire wear tread-depth. Some plans last 2-3 years. Others can last 5 years or 60,000 miles. Several plans come with fixed amounts of coverage: $500 per year up to 4 years. Many contracts require three years of law school to comprehend. In terms of tread depth, a tire is usually considered worn out (and thus the plan null and void) at 2/32 to 3/32 of an inch.
Another important distinction is in the type of plan.
Tire reimbursement plans are just what they say. You, the plan holder, will be reimbursed after the claims process is finalized—usually 2-8 weeks. There is an out-of-pocket expense. These plans are often sold by new car dealerships. The prices can range from $300 to $600 dollars.
Road hazard policies operate similarly to reimbursement plans. However, some tire insurance providers, in partnership with the repair facility, may have a direct-pay relationship. Thus, there would be no out-of-pocket expense, except for applicable deductibles, and items not covered in part or in full. These plans are primarily sold by tire dealers and repairshops. The prices range from $10 to $30 per tire. They also can be based on a percentage of the cost of the tire: usually 12% to 15%.
Both types of plans have a number of variables, requiring a magnifying glass to read the fine print. Also, many are pro-rated warranties, covering only a percentage of the cost of the tire based on its wear.
Claims and Coverage:
Depending on the plan, claims are initiated by the repair shop. The process is fairly smooth, although there can be a significant delay from the provider for authorization. This delay may be an hour or an entire weekend. This means that you’ll have to “ok” the tire replacement, and then hope it’s authorized for the full amount, or drive on your spare.
Some plans offer national coverage either among their service facilities or from other repair centers. Claims procedures will vary. Others only provide local coverage, or coverage at the selling facility.
Tire insurance does not mean that everything is covered. Pro-rated warranties are based on the wear and tear of the tire. You may get 75%, 50%, or only 10% coverage depending on the tread-depth. You’ll pay the remainder. While there are plans that offer full coverage, even these have limitations, or they may conflict with a repair shop’s policies.
For example, many plans allow for a maximum of $30 to mount and balance one tire, and a maximum of $15 to repair a tire. However, sport tires often have significantly higher mounting and balancing fees—upwards of $50 per tire—and tire repair prices can exceed $90. There are also discrepancies on the tire and rim prices themselves, which in the end, may have to be supplemented by the service customer.
Although there usually is not an issue with the latter given the competitive market, the service center’s price mark up may be unacceptable to the plan provider. In this case, the service center needs to lower the price or you, the service customer, need to pay the difference—or go somewhere else. This does happen!
Rim Prices and Repairs:
Rim replacement is becoming less frequent. With the high cost of aluminum wheels and sport wheel packages, tire insurers have opted to have them repaired. Repair will only be done if the rim does not hold air. What this means is that even if the rim is warped—enough to cause a vibration and even premature tire wear—they won’t replace it. Rather, they will send it out to be straightened and repaired.
Rims are replaced only if the damage is so extensive that the new tire, when mounted on the rim, won’t hold air. However, even in this case, especially if it’s an expensive sport wheel, they may still attempt to repair it.
Repairing rims is a bad option. While some rim repair is acceptable, badly warped or damaged rims will in no way ever be the same.
If a car hits a road hazard hard enough, such as a pot hole, it’s wise to have the alignment checked. Road hazard policies and tire reimbursement plans do not cover alignments. The service customer will have to pay for this procedure.
Road Hazard Protection Positives:
Some plans include tire rotations, wheel balancing, and nationwide coverage.
1) “Can I pop all 4 tires and get a new set of tires?”
You can try. But this type of claim will trigger a number of red flags with the insurer. The policy holder will likely send out adjusters and/or require photographs. You will also have a difficult time explaining how a “road hazard” caused all 4 tire pop.
2) “New tires come with a road hazard warranty.”
New tires do come with a warranty by the tire manufacturer. However, it only covers defects in workmanship. New tire warranties do not cover punctures or damages from external sources. This is why “road hazard” protection is being pushed.
New tires are rarely defective. If there is a problem, it’s usually noticed when balancing the tire. Or, there is a drivability concern such as vibration or noise. If there’s a defect it’s generally caught right away, and the tire swapped out.
3) “It’s so cheap; it’s a no-brainer, right?”
Actually, the experts don’t agree with this statement.
The Economics of Tire Warranties:
An article from the Washington Post by Terence O’Hara explains the economics of extended warranties and purchase protection plans in general. It is quite fitting for road hazard warranties. He writes:
“The decision to buy an extended warranty…defies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.
‘[Extended warranties or purchase protection plans] make no rational sense,’ Harvard economist David Cutler said. ‘The implied probability [of having an issue with the product] has to be substantially greater than the risk that you can’t afford to fix it or replace it. If you’re buying a $400 item, for the overwhelming number of consumers that level of spending is not a risk you need to insure under any circumstances.’”
In short, road hazard warranties are a waste of money. Don’t insure that which you can afford to replace.
Numbers Game and Slim Chances:
Like all insurance, tire insurance plans are a numbers game. However, this is a game you have a 98% chance of losing. Insider statistics show that the percentage of claims paid out by providers is as low a 2%.
Another interesting note is that a lot of tire damage is caused by curbs. Curb damage is not covered under most road hazard policies. High granite curbs with sharp edges slice through tens of thousands of tires per year.
You Won’t Notice:
Many people don’t even notice tire damage. Other than to see if the tires are holding air, who “really” looks at tires? Tires are subject to a whole host of external influences which cause bubbles, slices and gouges.
Despite the potential dangers of damaged tires, the damage very often does not translate into any noticeable drivability issue. The point is that if you don’t notice any tire damage you can’t benefit from the coverage.
Those raving about the benefits of a road hazard policy are the actual folks in the industry who stand to benefit from the sale. They’ll argue that it’s so cheap—only $10 to $20 per tire. Even so, for four tires, that’s $80 based on the “possibility,” the “chance,” of damaging a tire that meets the repair/replacement requirement protocols.
If a rim and tire has incurred significant damage, it’s quite likely that other problems have resulted as well. The first is that the vehicle may have been jarred out of alignment. Secondly, hub bearings, front end components: tie rods, spindles, ball joints, and a variety of other components may have sustained damage. In this case, auto insurance, which you are already paying for, will pay for everything—brand new.
Free Road Hazard Warranties:
Many tires come with road hazard warranties FREE. In other words, in an effort to secure retailers, many tire distributors provide service centers FREE road hazard insurance. Some shops pass this on to their tire customers, others sell them. Ask if the tire “comes” with a road hazard protection policy. If not, request that one be provided at no additional charge. It’s worth a shot.
Also, some car manufacturers provide road hazard warranties FREE of charge for 12 months or 12,000 miles. If you’re buying a new car or even used, ask that the dealer provide a complimentary road hazard policy (after all the wheeling and dealing is done, of course), and just before you commit.
“What’s the best road hazard policy?”
Money in “your” bank account.
When it comes to cleaning carpets, a lot of people just don’t like it, and for the most part, their efforts are usually in vain. Why not give yourself a chance to make life easier for you, and see how well pros can do? The following piece will provide you with tips to help you find the right professional.
Don’t use excessive heat when cleaning carpets. Heat can ruin the quality of your carpet, especially if the material is delicate or there are a lot of colors in your pattern. That is critical when you have a stain but want to avoid permanent floor marks.
There are many varieties of carpeting; some of which cannot be subjected to harsh chemicals. Test a small section of the carpet before using anything on the entire floor. Inquire about after-care for silk, wool and specialty carpets. If you do not know how to go about getting clean carpets, it’s time to call the pros.
It can be a good idea to hire a professional to wash your new carpets. Often, carpets contain chemicals that help to preserve their condition and quality while they sit in the warehouse or showroom. That’s why you need to reduce your family’s exposure to these by having a carpet cleaned before it’s put in your home.
Just because a company uses brand name products that you recognize does not necessarily mean it is any more effective than another one. Make sure that the company you use is licensed and bonded. If they are unable to supply you with the information you requested, there are methods to verifying their work, including talking to their previous customers and calling the Better Business Bureau.
You can clean your carpets all day long, only to have them still look dingy. Next time you need your carpets clean, hire a professional company and be amazed at the condition of your carpet. It will save you a lot of time, and give you better results than you could have ever gotten by doing it yourself. To learn how to find the right carpet cleaning company, read this advice.
Auto Insurance Advice That Is Easy To Follow
Automobile insurance can offer an array of coverages. Mandatory insurance coverages vary by state but other optional coverage areas can include: medical coverage for expenses caused by a wreck, uninsured motorist which covers you if the other driver is uninsured, roadside assistance and many other useful coverages. This article can help you understand the options and choose wisely.
If you are aiming to get affordable auto insurance, you should consider dropping any extra coverage that is not needed. You should talk with your insurance company or insurance agent so that you can find out all the extras that are included in your current coverage. Once you know the extras and carefully evaluate them, you can consider which ones you should drop to make your policy cheaper.
To be sure you are getting all the discounts you’re eligible for and, therefore, save money, ask your insurance company which discounts they offer. You can make a list of all the discounts they offer, then go through this list carefully and check off each one you are eligible for. You might be surprised at how much you can save by claiming discounts.
Even though you might see it as a sign of being a good friend to someone, do not allow anyone else to drive your car that is not on your policy. If they get into an accident, you will be forced to pay a hefty deductible and it will negatively affect your record. The only exception, is if their insurance fully covers them and your car while they are driving it.
Get your insurance quote before you buy a vehicle. This way, you will know in advance how much everything will cost altogether. Find out if buying a slightly different car will change your rates. Every little bit helps, and if you can walk away with a car that has lower rates, you would want to do so.
When shopping for a new car, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some cars may be due to unforeseen criteria. Certain safety features may bring the cost of one car down, while certain other cars with safety risks may bring the cost up.
If your goal is to lower the cost of your car insurance premium, remember that insurance companies often charge more to insure cars that are flashier or that cost more to repair. Having a low-profile vehicle,that is unlikely to get stolen, can often dramatically lower your rates.
A simple way to make sure you are getting all of the auto insurance discounts you are entitled to is to ask you insurance company for a list of every discount they offer. You can work your way through this complete list to find every possible discount that may apply to your situation.
As previously summarized, there are many insurance options to choose from. Some are mandatory and some are simply additional useful coverages. This article can help you define the different coverage options and their costs and whether they are of value to you. By understanding this information, you can get the coverage you need.